What age required for you to be able to apply for non owners insurance?

John

Evansville, IN

Insurance providers differ on their guidelines for non-owners insurance so some might have age restrictions while other carriers will not. You need to comparison shop to find the provider that is right for your needs.

If you are young teenager and living at home with parents or relatives it is usually cheaper and easier to have you put onto their current car insurance policy. If that is not feasible and if you do not own a vehicle but are licensed and occasionally operate a vehicle, non owners is a type of policy that could work for you. It is essential to ask when shopping for this car insurance, if you will be covered for cars owned by members of the same household because some insurance companies do not allow this.

I was driving my sister’s car that has no insurance and someone hit the car that I was driving, will my SR22 cover the damage?

Jim

Chicago, IL

I would suggest you verify that any car you drive is insured. Your sister’s car is required to insure it. Your SR22 policy would be secondary to that car insurance. You may still get in trouble for driving that car if there is no car insurance on it.

If you borrow a car from a your sister and got involved in an accident in that car, your sister’s car insurance would kick in first. However if, for instance, the accident was your fault and the damage to the other driver’s property exceeded the liability limits on your sister’s car insurance policy, your SR22 insurance policy would cover the excess (up to policy limits).

Do I still need an sr22 certificate if I have a full coverage in my car? I live in VT.

Bea

Thank you for asking Bea.

If you have been ordered that you are required to carry an SR-22 or financial responsibility certificate in Vermont, you will likely have to continue to maintain it even if you have insurance coverages beyond what it requires of you. The Vermont DMV states that an individuals that are ordered to file a SR22 certificate must carry it and have it on file with the department of motor vehicles for a minimum of three years without any lapses.

If you have not violated any VT laws and have not been mandated to acquire an SR-22 than your full coverage, which should include the minimum liability limits plus comprehensive and collision coverage, that should be enough to cover your vehicle. The minimum liability limits for Vermont are bodily injury $25,000 for one person up to $50,000 per accident and $10,000 for property damage in one accident.

Goodluck!

MariCAR